Credit Cards - What do you use & what do you get?

Amex for all shopping/food/petrol -building points for the future.
Halifax card for 18 months 0% balance transfer with about £3k on it. Could pay it off but just paying monthly.
 
[TW]Fox;24659117 said:
Halifax Clarity for 0 charge overseas use at best exchange rate.
Santander 123 for fuel and rail travel with 3% cashback
Amex preferred rewards charge card for reward points.
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Same, except i use an Amex Platinum Cashback card rather than the charge card.
 
Just a Halifax Clarity Card for me, still haven't used it yet. Not sure on whether I need another one that would be better for UK purchases? Only got the clarity for the next time I'm overseas.
 
They are entirely different cards with different rewards and payment structures so they differ in all ways except for the merchant :p
 
I've got the old Alliance & Leicester credit card which piggy-backs onto MBNA. Since the Santander takeover, it's now just MBNA. What did I get? Think I got £20 M&S voucher when I opened the account and another £20 M&S 1 year later.
 
Tesco for fuel and purchases - earn shed loads of points for pizza express and free days out

Barclaycard Platinum because of their 2 year 0% balance transfer deal which was a 1.4% fee, cheapest loan ever.
 
I have a Barclaycard which I use as my main card and mainly for buying anything online. I pay it off every month by direct debit. They keep sending me these 0% balance offers but I have no need for that so doesn't interest me, I'm sure they used to have some reward scheme but I don't think they do anymore but it didn't really do much for me because the main places you got rewards were petrol stations and i used a fuel card from work.

I also have a Halifax credit card but they haven't put the limit up since I was a student and they won't let you apply to increase it online, the limit is only like £350 so I haven't used it for a few years.
 
HSBC mastercard day to day
Halifax Clarity for use abroad
Amex corporate

Are reward cards worth it then? I only spend maybe £400/month on my ccard, mostly fuel and food.
 
Amazon CC, for every £1 i spend i get an amazon point, for every pound i spend at amazon i get 2 points. 1000 points is a ten quid amazon voucher. Worst case scenario with no amazon purchases it's 1% cashback, best case scenario all at amazon it's 2% cashback. First 3 months I get 3 points per quid on all purchases though. I also got given a fiver to take the card out.

I pay back in full every month via DD so never incur any charges. It's pretty good if, like me, you regularly use amazon.
 
Quite a few, but only one or two used regularly past any signup offer.

Amex Gold - Only one used day to day
Amex Nectar
Amex BA
MBNA BMI (Amex)
MBNA American Airlines (Amex)
Lloyds Avios (Amex)
Halifax Clarity - Holidays only

I have gained/saved a LOT via Amex.
 
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